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In a landmark regulatory shift, more than 5,000 U.S. banks are now eligible to engage in crypto activities without seeking prior approval, following new guidance issued by federal banking regulators.
FDIC and OCC Align to Unlock Digital Asset Integration
On Friday, the Federal Deposit Insurance Corporation (FDIC) released Financial Institution Letter FIL-7-2025, clarifying that institutions under its supervision may pursue digital asset services—provided they implement adequate risk management procedures. This move mirrors a similar update earlier this month by the Office of the Comptroller of the Currency (OCC), which oversees federally chartered banks.
“The guidance affirms that FDIC-supervised institutions may engage in permissible activities, including those involving emerging technologies such as crypto-assets and digital assets, as long as associated risks are properly managed,” the agency stated.
The policy update marks a significant departure from the prior requirement that banks obtain express permission before entering the digital asset space. It represents a key milestone in U.S. financial modernization, aiming to foster greater innovation while maintaining oversight.
Collaboration is ongoing between the FDIC, the OCC, and the President’s Working Group on Digital Asset Markets to establish harmonized standards for the banking sector’s engagement with cryptocurrencies. The unified regulatory approach is expected to boost confidence and clarity for financial institutions looking to explore blockchain and digital asset technologies.
Earlier this month, the OCC issued Interpretive Letter 1183, outlining permissible crypto-related activities for over 1,000 federally chartered institutions. These include offering custodial services, managing stablecoin reserves, and operating on blockchain infrastructure.
With this dual-agency green light, U.S. banks are now better positioned to embrace crypto innovation, potentially accelerating mainstream adoption of digital assets across the financial system.
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